In general, you are liable for your animal as the owner, so your personal liability insurance will cover any damage it causes. This normally includes animal owner’s liability, i.e. for dogs, cats and other small pets. As a result, both personal injury and property damage that your pet causes to others are covered. Separate liability policies for dogs or other types of animal owner’s liability insurance are not required in most cases.
However, caution is advisable if you take your animal to work – for instance as a guard dog. In such cases, you may need additional insurance. Furthermore, additional cover is normally required if you hire or borrow a farm animal such as a horse. To be on the safe side, ask your insurance company whether damage caused by your animal is really covered.